Melva Gifford

https://www.youtube.com/watch?v=ObmFxPQYPdk

Bad: carrit, carret
Good: carrot

You pull a carrot out of the ground and what do you see a big hole. Think of the O, in carrOt as a hole that gets created when you pull it out of the dirt.

These are notes from a church meeting. Any misinformation is the fault of the note taker.
– Request that the gospel of Jesus Christ penetrates our hearts and soul.
– During King Ahab (missed data here)
– Elder Christopherson: what you can do of the gospel. If you’re not certain try the path. Unsure of a testimony keep trying and live it.
– Don’t let others pull away from your testimony on something.
– When you get a testimony of something, write it in your journal so that you can reference that testimony if you doubt it in the future.
– Some people can share only the negative things of the gospel. If you only read that, it can make you doubt. Read the gospel to counterbalances the bad.
– When thou are converted, strengthen each other.

This was a speech given at toastmasters. Any misinformation is the fault of the note taker.

No doppelgangers in this speech. From the beginning of time, the free spirit has been known far and wide as a challenger of rules. One day she’d had it. No more blindly following the rules. Rule maker dished out another rule and free spirit said no way. Free spirit decided to only follow rules that made sense. Rest of the rules a guideline or suggestion.
One day the free spirit was in the land of paradise. Trade winds, beautiful blue ocean, bright sun, warm beach. She vowed never to leave. Frolicked with sea creatures.
The Rule maker became alarmed and told her the Menahuni would take your spirit if you played with sea creatures at night. Free spirit responsible for saying “rules are meant to be broken.” At midnight, the Menahuni snuck up to free spirit in the water. She flitted out of his grasp. The Menahuni was getting frustrated. They had to get out the big guns.
She does the Ooga Booga dance.
Menahuni dark magic made her feel sleepy and waves crashing over her head. Menehune were dancing on her wrist and she prayed to the rule-maker to save her. The Rule Maker sent his minions to wreak havoc on them. Did his dark magic in reverse and she could feel magic going away. She vowed she would not follow the rules again, until next time.

This was a presentation given at the UT CO Liberty Forum Pamela Romney Openshaw
By Sharon Anderson. The presentation was recorded in five parts.

https://youtu.be/q7YEQWb0Gck pt 1 or 5
https://youtu.be/ywKrB0GVnDA pt 2 of 5
https://youtu.be/mN1SRHDd7y8 pt 3 of 5
https://youtu.be/kjOnAeiaaUE pt 4 of 5
https://youtu.be/JOU4G2kfJQo pt 5 of 5

My two cents:
I think it is neat when someone has studied on atopic so they can speak confidently about it.

Bad: girations
Good: gyrations

The first two letters mess me up. GY-rations pronounced like Guy-rations. Remove the U and the twisted letters of GY in GY-rations may be easier to remember.

The presentation was given by Chris Kampitis, via a webinar CFP

1. What does estate planning mean to you?
– Determine who will care for your children
– Structuring your finances so your loved ones are taken care of
– Establish who will handle your finances
– Deciding who will make medical decisions on your behalf?
– who needs estate planning
A. parents with their own children or financially irresponsible children
– Spouse with children from former marriages
– Grandparents who want to benefit and protect grandchildren
– Business owners who want to pass their business to children or others.

2. Permanent estate taxes
– 35- 40% you had to pay the estate tax rate.
– 2020 federal exemptions now 11.5 % for singles
– The government printing a lot of money due to the pandemic. Therefore, it is anticipated to increase the tax hike. Therefore, the estate tax may lower.
– If you live in certain states, you may have an estate tax. Or an inheritance tax

3. Avoiding the common mistakes.
a. make a plan
Make sure your wishes are carried out
– Avoid assets passing to the wrong person at the wrong time or n the wrong way
– Work with a team that includes a financial adviser

4. How to document your wishes
a. will
– For your things that don’t have a beneficiary like jewelry, of sports cards collection.
– Name your personal representative (executor) and guardian for minor children other children fate determined by judge/probate. Talk to your children, friends, and relatives about the notified property.
– Every Will comes with an executor. It is a tremendous responsibility and a lot of work. They will open and close the estate. They do paperwork that documents the assets. They notify creditors, pay debts, expenses, taxes. Distributes property per instructions in a will
– Submits paperwork to end proceedings. Don’t wait for your deathbed.
– Two documents a. health care power of attorney. A durable financial power of attorney. Even a college-age person should have access. Who will pay the bills?
– A living will present what treatments you do or don’t want. Needs to be updated every three yrs.
– HIPAA release needs to be updated every 3 years.
3. Set up guardianships for dependents.
a. if you don’t name a guardian form for chidden or a dependent with special needs, a judge will appoint one
– Be. Talk to the prospective guardian ahead of time.
c. the guardian does not have to be the same person who manages the money.
4. Consider trusts
a. what goes into the trust,
b. who gets what?
c. how and when it is distributed.
– This is not just for the wealthy.

Benefits of a trust
a. skip probate. The beneficiary may gain quick access to assets
b. fewer estate taxes may be due upon death because trust assets may not be considered part of the taxable estate
c. retain complete control even with complicated situations such as children from more than one marriage
d. protect your legacy from those who may not be able to manage money.
e. pay outside of probate, which results of lower court fees/taxes and remains private.
– Grantor: sets up the trust
– Beneficiary: recipients of trust benefits,
– Inferit? the use of what is granted
– Trustee: similar to the executor/ personal representative, but for a trust. Executes the grantor’s instructions found in terms of the trust.

Trust types:
– Charitable remainder trust: block of funds charitable remainder trust wants a charity to receive. – Can getting credit give a big tax deduction? In addition, can pull income from it each year.
– Revocable trust (living) versa irrevocable trust: You can switch the owner. It is a floating beneficiary. When a person dies> the trust activates for the beneficiary. Distributions may be given at age 21, 31, 40. It has its own tax id number.
– Testamentary trust: is inside of a will. Trust if given to a beneficiary.

Trust basics
a. state laws vary significantly and need to be considered.
b. choosing and creating a trust is a complex process
c. the guidance of an attorney with estate planning expertise is recommended.
d. federal taxes due to the recipient in five mo.

3. Health care power of attorney or proxies
c. durable financial of attorney
– Prepare for long-term care.
– If the home is paired off- they may use the home and not own in their own and put in trust. If you have health issues no one can come from the home.
– Income in respect: If you did not pay income tax or accrued income, you pay taxes.
– Keep beneficiaries updated:
– 401 K, Ira, insurance policy> assign beneficiaries.
– Make a list of your assets every 5 yrs.
– Don’t forget about digital imprint:
– Online storage photos and doc
– Loyalty programs
– Banks and investment firms
– Facebook, Twitter, YouTube. Google docs, Instagram
– eBay, PayPal iTunes.
– Have a digital fiduciary who would be given rights to access digital information and define where they would be found.
– Have a plan to shut down ‘online’ presence.

My Two cents:
Some corporations may offer an option to sign up service access to a layer for a yearly fee where you can hire a lawyer for a year. That was what I did to set up my trust. If you work for a corporation, see if that offer that.

These are notes from a church talk I attended. The talk referenced Thomas Monson talk said in1989. Any misinformation is the fault of the note taker.

– Source of talk. https://www.churchofjesuschrist.org/study/general-conference/1972/04/finishers-wanted?lang=eng
– Found a furniture store. See sign finishers wanted. A finisher of wood, make wood look nice.
– In life and business, there are always need of finishers.
– Are we going to fail or finish this mortal life?
– There are
– Six points that is crucial to become finishers.
– 1. Mark of Vison. The door of history turns on small hinges and so do people’s lives. The little decisions can turn on a hinge and can influence our lives for good or bad. We need a vision of where we go and shoot for going
– 2. Mark of effort. A vision without effort is daydreaming.
– 3. Mark of faith. Faith can move mountains. By faith we can see the lord’s face.
– 4. Mark of virtue D&C 121:45 let virtue dominate your thoughts continually. There are a lot of vile content to be careful of. Let virtues garnish your thoughts
https://www.latterdaylight.com/daily-devotional/2019/5/24/doctrine-and-covenants-12145-46
– 5. Marks of courage. To reach the unreachable star will make us become better.
– To dream … the impossible dream …
– To fight … the unbeatable foe …
– To bear … with unbearable sorrow …
– To run … where the brave dare not go …

– To right … the unrightable wrong …
– To love … pure and chaste from afar …
– To try … when your arms are too weary …
– To reach … the unreachable star …

– 6. The mark of prayer. Prayers open the doors to heaven. The Lord knows what we need. We need to open our mouths. He cannot help us because we’re not providing our part. Our words are powerful. Our words can become powerful if we believe it and act on it.
– As we put forth our effort, we will make a change in our communities and ourselves.

My two cents:
When I think of finishers wanted I think of the firemen and police who ran toward the two towers on 911 to save people.
I think if single mothers who work during the day and raise their children to be the best they can be.
There are also some pretty nifty charity organizations
I think of fathers who support their families.
There are also various volunteers who donate their time freely to help a cause.
I think of people who are in the service industry to serve people.